Hi everyone, I'm Victor Ciardelli. I'm the President and CEO of Guaranteed Rate, the nation's second largest independent mortgage company. I founded Guaranteed Rate in 2000 with the vision of providing low-rate, low-fee mortgages to consumers with exceptional personalized service. We've funded over $44 billion in mortgages and are on pace to more than double loan funding volume year over year. Today I'm lending my expertise on one of life's biggest (and scariest) decisions: buying your first home. I'm here for the next hour—ask away!